Folks,
With regard to the buy-out of MBNA by Avant Card, does anyone know what's happening with outstanding debts and how they're being collected?
Since falling into arrears (February 2012) with a balance of around 11k, I've been battling with MBNA to hit on a settlement figure and all communication was done in writing through the email function of the MBNA website. I was delaying my dealings with MBNA to give myself more time to either find work in Ireland or prepare to move abroad, which I did last June, moving to Canada (I was born here). I continued to engage with MBNA and a figure was hit on that wasn't unreasonable but I let it sit for a bit as I hadn't found work. Just as I had found work and was ready to pay the settlement figure, the MBNA site, my login and all the email communications have disappeared.
I'm now settled here but as MBNA don't have my new address, I've nothing in writing. Letters could be all piled up at my old address but if so, they've probably been binned by the landlord. Having gone on so long, I'm assuming the debt has been sold on but I have no idea who might be dealing with it. Can anyone advise? Is it worth contacting Avant Card to see if they have any record of those emails? Unfortunately (and rather stupidly, I admit) I don't have them. If the debt has been sold on, I'm assuming I'll need to renegotiate the settlement. Does anyone have experience in this? I realise my previously impeccable credit rating in Ireland has been trashed but I'll take that as a lesson learned ie don't give stupid 20-something year olds credit cards with limits they can't handle. I'm now older and a tiny little bit wiser- this is my only debt and I'd like to do something about it.
I appreciate any assistance.
As an afterthought, what's the worst case scenario here? I'd like to come back to Ireland some day- will I be busted at the airport or the moment I'm back on the grid (Revenue, a lease, ESB, UPC etc)? I sure wish I had those emails to show that I've been attempting to make some effort.
Thank you.
T.
With regard to the buy-out of MBNA by Avant Card, does anyone know what's happening with outstanding debts and how they're being collected?
Since falling into arrears (February 2012) with a balance of around 11k, I've been battling with MBNA to hit on a settlement figure and all communication was done in writing through the email function of the MBNA website. I was delaying my dealings with MBNA to give myself more time to either find work in Ireland or prepare to move abroad, which I did last June, moving to Canada (I was born here). I continued to engage with MBNA and a figure was hit on that wasn't unreasonable but I let it sit for a bit as I hadn't found work. Just as I had found work and was ready to pay the settlement figure, the MBNA site, my login and all the email communications have disappeared.
I'm now settled here but as MBNA don't have my new address, I've nothing in writing. Letters could be all piled up at my old address but if so, they've probably been binned by the landlord. Having gone on so long, I'm assuming the debt has been sold on but I have no idea who might be dealing with it. Can anyone advise? Is it worth contacting Avant Card to see if they have any record of those emails? Unfortunately (and rather stupidly, I admit) I don't have them. If the debt has been sold on, I'm assuming I'll need to renegotiate the settlement. Does anyone have experience in this? I realise my previously impeccable credit rating in Ireland has been trashed but I'll take that as a lesson learned ie don't give stupid 20-something year olds credit cards with limits they can't handle. I'm now older and a tiny little bit wiser- this is my only debt and I'd like to do something about it.
I appreciate any assistance.
As an afterthought, what's the worst case scenario here? I'd like to come back to Ireland some day- will I be busted at the airport or the moment I'm back on the grid (Revenue, a lease, ESB, UPC etc)? I sure wish I had those emails to show that I've been attempting to make some effort.
Thank you.
T.